Long-term disability benefits are an earned benefit that millions of Americans pay for through regular payroll deductions. For large businesses, unions, and other major employers, these helpful benefits are a big part of what attracts workers. In fact, most people tend to think of their benefits as a serious reason for choosing one company over another. So, it can be infuriating when you are injured, only to discover your company’s insurance carrier is refusing to pay the benefits that you have paid into over the years. When this happens, you do not have to take it. Call the Law Offices of J. Price McNamara to schedule a confidential, free consultation.
Many cafeteria plans offered by employers provide optional coverage in the event of a serious injury or medical condition. Some plans offer short-term disability (for brief absences, like illness or a surgical procedure), while long-term disability is typically meant for illnesses or conditions that will require an extended absence from work.
Depending on the amount of coverage selected and the options offered by your employer, coverage usually will pay a specific percentage of your total salary, up to a limited number of weeks or months.
In order to take advantage of your long-term disability plan, you will usually need to file a claim with the insurance carrier, which puts the company on notice of your need for benefits. You will also need to submit proof of the medical condition that warrants being off work for an extended period of time. This is where long-term disability carriers often deny claims.
If you were denied long-term disability benefits despite being completely unable to work, you are not alone. In fact, the majority of claimants are initially denied. It is somewhat expected, unfortunately. The good news is that an experienced disability lawyer can work closely with you to develop your case and provide the evidence needed to get the denial reversed. If the insurance company intentionally acts in “bad faith” by denying you in spite of clear evidence, you may be able to file a lawsuit against the insurance company to force payment.
Under ERISA, a federal law that protects worker benefit plans, there are rules in place to protect people just like you. Remember that your long-term or short-term disability benefits are actually nothing more than complex contracts. When the insurance company collects your premiums only to deny valid claims, they are breaching that contract. When this happens, you have a right to fight back and hold them accountable.
Unlike many attorneys who require large fees and upfront retainers, at the Law Offices of J. Price McNamara, we only recover a fee if we are able to help you get the benefits you deserve. We know if you need help collecting long-term or short-term disability benefits, you may be struggling to pay the bills, so consultations are always free. Call us today.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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